Doing things differently…
• Managing General Underwriter
• Partner with Employee Benefits pros – Brokers and Consultants
• Proprietary products• Benefits Marketing Firm• Provide goal-oriented
solutions for Benefits Administrators
We… HAVE: Experience
Over 75 years in voluntary benefits management
OFFER: Solutions Implementation
management Enrollment services Communications
STREAMLINE: Benefits Administration Proprietary products Enrollment options Client service support
Let’s talk about product…Voluntary Benefits
Short Term Disability
Long Term Disability
Group Term Life and AD&D
Whole LifeCritical IllnessAccident
Employer Paid Benefits
LifeDisability
Changing the game…Our proprietary products are cutting edge:
better coverage at a lower cost than traditional worksite carriers.
Innovative Disability Products
Guaranteed issue at each open enrollment, regardless of hire date
No minimum participation requirement – with active enrollment
Rates guaranteed for 2 years
Issue age rated
Telephonic claims intake
Future benefit increases at employee’s original issue age
Benefits payable in addition to any other STD insurance
Immediate waiver of premium for STD claims
Voluntary Group Term Life and AD&D
Aggressive GI limits for Employee and Dependents
Rates guaranteed for 2 years
Minimum participation: greater of 10 or 15% with active enrollment
Accelerated benefits up to 50% to a $250,000 maximum
Waiver of premium included
AD&D GI to $500,000 with only 10 enrolled lives
AD&D coverage available for Employee and Family
Employee Life Option: Whole Life
GI for Employee, Spouse, Dependent Children, & Grandchildren
Dependents are guaranteed issue without employee election
Coverage begins on date application signed
Money purchase from $2 to $30 per week
Portable and guaranteed renewable
Guaranteed cash value and paid-up options
Catastrophic Loss Rider for loss of ADLs available in some states
Employee Critical Illness Option
Simplified Issue with only three health questions
Guaranteed Issue with 10% participation
Unlimited lifetime maximum
Lump sum benefits with positive diagnosis of critical illness
Wellness benefit for health screening from $50 to $150 available
Children coverage included with employee plan at no additional cost
Employee Accident Option
GI for employees and dependents with no minimum participation requirement
Coverage begins on date of application
Competitive benefit pay-outs with emphasis on out-patient benefits
Portable and guaranteed renewable for life
Riders available to: Cover wellness exams Enhance ER & office visit
benefits
The American Hospital Association and The American Society for Healthcare
Human Resources Administration endorse the Whole Life, Critical Illness,
and Accident Options
Outstanding Support
Our team is dedicated to helping our broker
partners from prospecting to post-enrollment. And everything in
between.
Turnkey Enrollment Solutions
• Including web-based, call center, and face-to-face – or a combination thereof
• Process management from beginning to end
• Savvy, Experienced Benefits Counselors
• FBT Advantage…